1203 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 1203 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,723 sqft · built 1960
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Sep 2020)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-058-021`

Property Details

APN / Parcel Number

Primary APN	`03-16-058-021`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,723 sqft Base Area
1st Floor Area	1,723 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Mixed
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1203 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-4024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT A DONALDSON'S REPLAT OF LOTS 7,8,9 &10 BLK 1 PARKS GLENN 3605/166 3273/322 3019/43 2740/275 2469/285 1583/159
Legal Subdivision	DONALDSONS REPLAT
Legal Block	1
Legal Lot Number	A-9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3008
Census Tract	950600

Owner

1203 S 3rd St is owned and occupied by two individuals who bought it in September 2020.

Source: Effingham County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1203 S 3RD ST, EFFINGHAM, IL 62401-4024
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Jan 23, 2017	Deed, Transfer · Conventional Mortgage LAND OF LINCOLN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on File
Deed Sale	Sep 1, 2020 · Amount on File
Prior Sale	Jan 23, 2017 · Amount on File
Deed Document Number	202020004785
Deed Book / Page	3605 / 166
Prior Transfer Date	Mar 4, 2014
Prior Transfer Doc	3019/043
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 1, 2020
Property Address	1203 S 3RD ST, EFFINGHAM, IL 62401-4024
Document Number	3605/166
Book / Page	3605 / 166
Map Reference	MB 3 PG 167
Instrument Date	Aug 25, 2020
Instrument	202020004785
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1203 S 3RD ST, EFFINGHAM, IL 62401-4024

Mortgage

Document Number	202020004786
Date	Sep 1, 2020
Instrument	202020004786

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate	2.25%

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 23, 2017
Property Address	1203 S 3RD ST, EFFINGHAM, IL 62401-4024
Document Number	3273/322
Book / Page	3273 / 322
Map Reference	MB 3 PG 167
Instrument Date	Jan 20, 2017
Instrument	201701700349
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 S 3RD ST, EFFINGHAM, IL 62401-4024

Mortgage

Document Number	201701700350
Date	Jan 23, 2017
Instrument	201701700350

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1203 S 3rd St was $1,228 with exemptions applied, down 16.5% from the year before.

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Douglas Township
Municipality	Effingham City
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,228.00 (-16.46%) Homeowner's exemption Senior Citizen's exemption	$43,650 (+10.01%) Land $13,750 Building $29,900	$130,950 (+10.01%) Land $41,250 Building $89,700
2024	$1,470.00	$39,680 Land $12,500 Building $27,180	$119,040 Land $37,500 Building $81,540
2022	Homeowner's exemption Senior Citizen's exemption	$33,090 Land $10,420 Building $22,670	$99,270 Land $31,260 Building $68,010

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1203 S 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1203 S 3rd St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EFFINGHAM serves 12,252 people · EPA ID IL0490250
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Nearby Properties on S 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures